Re: FICO score 40 points lower than any credit score?
Thanks all for the great advice. I'm working on a few of these to see if I can get a PFD. One creditor only offered to mark as settled, would this even help my score? This debt is schedule to come off April 2014. Also, would I get much of a boost if I could increase my credit limit? I have a secured card that I could increase. I am hesitant to work with this lender because as soon as he saw my score was a 612 he didn't seem to have any interest in working with me to improve. Should I wait a few months and then reach out to another lender? I don't want another hard inquiry to hurt my score.